Análise da literacia financeira no setor bancário angolano
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2017
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A ANZ Bank (2011), definiu a Literacia Financeira como a capacidade de fazer julgamentos informados e tomar decisões eficazes em relação à utilização e gestão do dinheiro. Este é um conceito amplo que incorpora uma compreensão da economia e como as decisões dos clientes são afetadas pelas condições económico-financeiras circunstanciais. Este tema tem ganho cada vez mais enfâse no mundo face a sua importância e é um imput que nos ajuda a modelar a necessidade de sermos educados financeiramente para fazer face a variações dos resultados nas tomadas de decisões.
Sendo assim, a escolha deste tema deve-se à escassez sobre a matéria de Literacia Financeira no setor bancário angolano, visto que até aos dias de hoje, apenas houve um guia de Literacia Financeira criado pelo Banco Privado Atlântico e um programa de educação financeira criado pelo Banco Nacional de Angola. E tendo em conta o crescimento do setor bancário em Angola, verifica-se cada vez mais a necessidade de ajudar os consumidores a tomarem decisões financeiras mais sensatas e promover assim a transparência e a eficácia dos mercados financeiros, visto que a realização deste estudo poderá assim contribuir para o preenchimento da lacuna de Literacia Financeira na banca angolana.
Deste modo, a pergunta de partida para esse estudo prende-se em saber qual o nível de Literacia Financeira dos clientes do setor bancário Angolano?
E para responder a essa questão, elaborou-se um questionário com 47 questões destinadas a todos os possíveis clientes do setor bancário angolano, a qual foi possível recolher 206 amostras para analisar os seus níveis de Literacia Financeira com base nos produtos e serviços detidos e os disponibilizados pela banca, bem como nos seus conhecimentos sobre todas as outras componentes de Literacia Financeira.
Os resultados obtidos indicam que o índice de Literacia Financeira dos clientes do setor bancário angolano é fraco, havendo assim um longo caminho a percorrer para que essa situação seja revertida.
ANZ Bank (2011) defined Financial Literacy as an ability to make informed judgments and make effective decisions regarding the use and management of money. This is an broad concept that incorporates an understanding of the economy and how customer decisions are affected by economic-financial conditions. This theme has gained more and more importance in the world and is an imput that helps us to model a need to be financially educated to cope with variations in results in decision making Therefore, the choice of this theme has to be developed in a matter of Financial Literacy in the Angolan banking setor, since until today, only a Guide to Financial Literacy was created by Banco Privado Atlântico and an education program by the National Bank of Angola. Given the growth of the banking setor in Angola, there is a growing need to assist consumers to make sound financial decisions and to promote transparency and sound management of financial markets. In order to fill the financial literacy gap in Angolan bank. Thus, a starting question for this study is to how to know the level of Literacy Finance of the customers of the Angolan banking sector? And to answer this question, a questionnaire was prepared with 47 questions addressed to all possible clients in the Angolan banking sector, which was able to collect 206 samples to analyze their levels of Financial Literacy based on the products and services held and made available by the bank, as well as in their knowledge of all the other components of Financial Literacy. The results indicate that the financial literacy index of Angolan banking clients is weak, and there is a still long way to go before this situation can be reversed.
ANZ Bank (2011) defined Financial Literacy as an ability to make informed judgments and make effective decisions regarding the use and management of money. This is an broad concept that incorporates an understanding of the economy and how customer decisions are affected by economic-financial conditions. This theme has gained more and more importance in the world and is an imput that helps us to model a need to be financially educated to cope with variations in results in decision making Therefore, the choice of this theme has to be developed in a matter of Financial Literacy in the Angolan banking setor, since until today, only a Guide to Financial Literacy was created by Banco Privado Atlântico and an education program by the National Bank of Angola. Given the growth of the banking setor in Angola, there is a growing need to assist consumers to make sound financial decisions and to promote transparency and sound management of financial markets. In order to fill the financial literacy gap in Angolan bank. Thus, a starting question for this study is to how to know the level of Literacy Finance of the customers of the Angolan banking sector? And to answer this question, a questionnaire was prepared with 47 questions addressed to all possible clients in the Angolan banking sector, which was able to collect 206 samples to analyze their levels of Financial Literacy based on the products and services held and made available by the bank, as well as in their knowledge of all the other components of Financial Literacy. The results indicate that the financial literacy index of Angolan banking clients is weak, and there is a still long way to go before this situation can be reversed.
Descrição
Orientação: Paulo Fernando de Sousa Pereira Alves
Palavras-chave
MESTRADO EM GESTÃO DE EMPRESAS, GESTÃO, GESTÃO DE EMPRESAS, EDUCAÇÃO FINANCEIRA, LITERACIA, INSTITUIÇÕES BANCÁRIAS, ANGOLA, MANAGEMENT, BUSINESS MANAGEMENT, LITERACY, FINANCIAL EDUCATION, BANKS, ANGOLA